American Express® Closure FAQs

Westpac will be withdrawing from the Westpac American Express® credit card programme. This change will be effective from 1 July 2014 and affects the following Westpac credit cards:

  • hotpoints American Express
  • Gold American Express
  • Premium American Express

From 1 July 2014, you will only be able to use your MasterCard® or Visa card on your Westpac credit card account.

Q: Why are Westpac removing Westpac American Express Cards from their product offering in New Zealand?
A: We have redesigned our product suite to make it easier for our customers. Part of this effort involves retiring the existing Westpac American Express Cards, which will no longer be included in our product range in New Zealand.

Q: What does this mean for me?
A: From 12am on 1 July 2014, you will no longer be able to use your Westpac American Express Card. If you try to use your Westpac American Express card after this date your transaction will fail with a “decline” message. There will be no change to your Westpac Visa or MasterCard credit card. Please make sure you cut up your Westpac American Express credit card and dispose of it in a responsible manner.

Q: What are my options?
A: If you’d like to find out more about your credit card options:

  • Refer to the credit cards section of our website
  • Call us on 0800 888 111 (overseas +64 9 914 8026) 
  • Drop us an email at customer_support@westpac.co.nz 

Q: Can I still dispute a Westpac American Express transaction after my card has stopped working?
A: Yes, we will still support Westpac American Express credit card transaction disputes and charge backs as per usual. Please call us on 0800 888 111 if you have a query about a particular transaction. 

Q: I have automatic and regular payments set up on my current Westpac American Express card. Will I need to update these?
A: Yes, automatic and regular payments will need to be updated to your Westpac Visa or MasterCard credit card account. You should update your card details with each service provider you have automatic and regular payments for. 

Q: My American Express Card expires during the month of June 2014 – can I still use it until 30 June 2014?
A: Yes – Westpac American Express Cards will be active and available for use up to and including 30 June 2014.

Q: What if I lose my Westpac American Express Card before 30 June 2014, will it be replaced?
A: Yes, we will still make replacement Westpac American Express Cards available until 30 June 2014. Please note – your replacement Westpac American Express Card it will have a three month expiry, but will stop working on the 1 July 2014. 

Q: How will the hotpoints I’ve earned on my Westpac American Express Card be affected?
A: Your hotpoints balance is unaffected. Hotpoints have an expiry of 3 years – refer to your credit card statement or Online Banking to obtain details on when your hotpoints will expire. 

Q: How many hotpoints will I earn?
A: You will continue to earn hotpoints on all your purchases made with your MasterCard or Visa card. The current hotpoints earn rates on Westpac credit cards are:

hotpoints MasterCard/Visa Gold Visa MasterCard Titanium MasterCard
1 hotpoint per $1 spent 1.25 hotpoints per $1 spent 1.5 hotpoints per $1 spent

Q: What happens to my Westpac American Express credit card balance?

A: Your Westpac American Express credit card balance is connected to your primary Westpac Visa or MasterCard account. There is no need to do anything but continue to meet your monthly credit card bill requirements.

Q: How will this change affect people who are joint/additional cardholders on my account?
A: Westpac American Express cards for joint/additional cardholders will also cease to work on 30 June 2014. They can continue to use their Westpac MasterCard or Westpac Visa card.

Q: What happens to my Titanium MasterCard sidecard?
A: You can continue to use your Titanium sidecard, it is unaffected by this change.

Q: How many Westpac American Express cardholders are impacted by this change?
A: We are unable to disclose these numbers as they are commercially sensitive. 

Q: Does this change impact customers outside of New Zealand?
A: No, this only applies to customers of Westpac New Zealand Limited.